退休惡夢：一半的美國人有少於2,000元提款兌現他們的的黃金年華
The Retirement Nightmare: Half of Americans Have Less Than $2,000 Banked for Their Golden Years
With declining earnings and a culture of borrow-and-consume, America's workers face a future of uncertainty and little money to pay for their retirement.
隨著收入的下降和先使未來錢的文化，美國的工人面對不確定的未來和沒什麼錢去支付他們的退休生活。
July 16, 2010
The days of quietly retiring with a nest egg built up from years of savings from a long career on the verge of disappearing. For tens of millions of Americans, facing rising costs, shrinking incomes and growing debts they already have disappeared.
悄然退休的日子帶著一窩蛋，從漫長的職業生涯多年的積蓄所建立的，在瀕臨消失的邊緣上。對於千萬計的美國人，面對上升的成本，減少的收入和增長的債務，它們已經消失了。
"One out of three working Americans does not have retirement savings beyond Social Security, and about 35% of those over 65 rely almost totally on Social Security alone," Dallas Salisbury, president of the Alliance for Investor Education and the Employee Benefit Research Institute (EBRI) , explained to AlterNet. "Of the remaining two-thirds of working Americans that have some retirement savings, 27 percent report less than $1,000, 16 percent between $1,000 and $9,999, 11 percent between $10,000 and $24,999, 12 percent between $25,000-$49,999, and 36 percent $50,000 or more." Perhaps the most shocking number is that half of Americans have $2,000 or less saved for retirement.
“3個工作中的一個美國人並沒有社會保障以外的退休儲蓄，和65歲以上的約 35％幾乎完全單獨依靠社會保障，”投資者教育聯盟及僱員福利研究所（EBRI）主席達拉斯索爾茲伯里對AlterNet解釋 。 “餘下三分之二工作中的美國人有一些退休儲蓄，27%報告低於 1,000美元，16%在1,000至9,999美元之間，11%在$ 10,000至$ 24,999之間，12%在25,000至49,999美元之間，和36%是$ 50,000或以上“。也許最令人震驚的數字是，有一半的美國人有 2,000元或更少，節省下來作退休生活。
Crunch the numbers and you end up with a retirement myth, rather than a money-maker. We face a colder economic reality: Not only are there no astronomical retirement returns coming down the financial pike, but what nuts and nest-eggs families have set aside for their futures have been mo
stly sucked dry.
"Individuals need to follow the advice of the ages," said Salisbury. "Spend less than you earn by 25 percent, and save for your future. This keeps your lifestyle from getting ahead of your income."
While saving 1/4 of our shrinking incomes sounds nigh on impossible in this economic climate, many are watching their savings getting squandered by bad fund managers. One retirement Ponzi scheme starting to worry the Senate Special Committee on Aging, according to an aide who asked not to be named, are target-date funds, a financial instrument . They're basically mutual funds that try to play equities and stocks in their early years before settling into more conservative investments like cash and fixed-income before maturing, so as not to give their investors heart attacks on the date of their retirement. As imagined, given our wheezing global economy, target-date funds are leaking money to managers who are charging insane fees before the house of cards crashes. In July, the SEC proposed new rules to make target-date funds more transparent, but lately the SEC has been proposing much while the banksters and executives that really run the country have continued to fund everything from Barack Obama's election to the Republican Party itself.
In related news, the Supreme Court ruled that corporations are free to spend, pardon the pun, as much as they want to buy political candidates In other words, even if your target-date fund survives the banksters' scams by the time it finally matures, there's no guarantee it can't be downsized by them at a moment's notice. To quote Wikipedia, "almost all target date funds do not have any guarantee." The banksters and the SEC know it, and now so do you.
http://www.alternet.org/economy/147570/the_retirement_nightmare:_half_of_americans_have_less_than_$2,000
_banked_for_their_golden_years/
加州人開始沒電沒水的生活
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